Compare · 3 funds side by side · dividends reinvested

RWLC, SPY and VOO

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$17,543VOO · best of the three

02 / 04

RWLC, SPY and VOO, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Vanguard S&P 500 ETFLow-Cost Core · S&P 5000.03%1.07%+11.3%+13.6%+22.0%+11.9%−8.9%13.7%$1.00T1.6

Rayliant NxtGen Multifactor US Equity ETFUS Stock Styles · Factor0.32%12.90%+13.9%+15.7%+24.6%[…]−9.3%15.3%$101M1.9

State Street SPDR S&P 500 ETFLow-Cost Core · S&P 5000.09%1.01%+11.2%+13.5%+21.9%+11.8%−8.9%13.7%$778B2.4

Rank among the three1st → 3rdFee, drop and volatility: lower ranks higherAvg rank: mean of the 8 ranks · 1 is best

End-of-day Nov 9, 2026 · returns include dividends · since: RWLC 2021 · SPY 1993 · VOO 2010

Head to Head

Swap sides Versus in desk

Head to Head

Rayliant NxtGen Multifactor US Equity ETF · $101M[…]

RWLC

SPY

State Street SPDR S&P 500 ETF · $778B$17,493

$10,000 five years ago, dividends reinvested · they hold 43.8% in common

RWLCMeasureSPY

+13.9%Year to dateJan 1 → Nov 9+11.2%

+15.7%1 yearTotal return+13.5%

+24.6%3 years · per year$10,000 became $19,330 · $18,118+21.9%

[…]5 years · per year$10,000 became […] · $17,493+11.8%

0.32%Expense ratio$32 · $9 a year on $10k · lower is better0.09%

12.90%Trailing 12-mo yield$1,290 · $101 a year on $10k1.01%

−9.3%Worst dropSmaller is better−8.9%

15.3%VolatilityLower is calmer13.7%

RWLCSPY Winner of the row, in its colourEach row: the bigger of the two fills its side

4–3RWLC wins

End-of-day Nov 9, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

RWLC vs SPY: Top 5 Holdings

Today

RWLC

25.5%in top 5

SPY

in top 527.8%

RWLCStockSPY

9.7%AAPL7.9%

5.6%NVDA7.1%

4.1%MSFT6.2%

not top 5AMZN4.0%

3.1%MAnot top 5

2.9%GOOGL2.6%

Held in common43.8%

End-of-day Nov 9, 2026 · share of each fund

RWLC vs SPY Returns, Every Period

RayliantRWLC

+15.7%

past year

SPYSPDR

+13.5%

past year

RWLCSPYFaded: behind in that period

3–0RWLC wins

End-of-day Nov 9, 2026 · dividends in · faded = behind in that period

Stocks vs Core: RWLC vs VOO

YTD

RayliantRWLC

+13.9%

VOOVanguard

+11.3%

+13.9%Year to date+11.3%

−9.3%Worst drop · 1Y−8.9%

15.3%Volatility · 1Y13.7%

12.9%Yield1.1%

$101MAssets$1.00T

2–2level

End-of-day Nov 9, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: RWLC, SPY, VOO

Today

0.03%lowest, VOO

FundExpense ratioFee$10k

VOO0.03%$3

SPY0.09%$9

RWLC0.32%$32

End-of-day Nov 9, 2026 · fee on $10,000 a year

Yields: RWLC, SPY, VOO

12.90%highest, RWLC

FundTrailing yieldYield$10k

RWLC12.90%$1,290

VOO1.07%$107

SPY1.01%$101

End-of-day Nov 9, 2026 · trailing 12-month yield

Income After Fees on $10,000

$1,258most kept, RWLC

RWLC$1,290 − $32 = $1,258

VOO$107 − $3 = $104

SPY$101 − $9 = $92

KeptFee

End-of-day Nov 9, 2026 · yield in dollars minus the fee

Overlap: RWLC, SPY, VOO

Today

92.7%most shared, SPY and VOO

RWLCSPYVOO

RWLC—43.8%44.3%

SPY43.8%—92.7%

VOO44.3%92.7%—

End-of-day Nov 9, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

+15.7%RWLC, at 15.3% volatility

VOOWorst drop−8.9%13.7% vol

SPYWorst drop−8.9%13.7% vol

RWLCWorst drop−9.3%15.3% vol

End-of-day Nov 9, 2026 · up and left is better

Paid More vs Made More

YTD

RWLCVOO

+13.9%Year to date+11.3%

12.9%Yield1.1%

+15.7%Past year+13.6%

0.32%Fee0.03%

3–1RWLC wins

End-of-day Nov 9, 2026

Popular Pairs Near These Three

SPYM vs SPY

YTD

SPDRSPYM

+11.3%

SPYSPDR

+11.2%

+11.3%Year to date+11.2%

1.0%Yield1.0%

$179BAssets$778B

1–0SPYM wins

End-of-day Nov 9, 2026

VOO vs IVV

YTD

VanguardVOO

+11.3%

IVViShares

+11.3%

+11.3%Year to date+11.3%

1.1%Yield1.1%

$1.00TAssets$853B

0–0level

End-of-day Nov 9, 2026

SCHD vs VIG

YTD

SchwabSCHD

+33.2%

VIGVanguard

+14.8%

+33.2%Year to date+14.8%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 9, 2026